Signature Elite Gold Wizard

Signature Elite Gold Wizard is a unique savings cum investment plan designed for customers who wish to enjoy potentially high investment returns. At the same time, it provides a safety net through the guarantee of part or all of the principal invested.

This product is very attractive in the current low interest rate environment and in this time of uncertainty.

Signature Elite Gold Wizard gives the customer a choice to determine, depending on his own level of comfort and risk appetite, how much the guaranteed fund would be, and when he would like to receive the guaranteed fund.

• Whole Life plan that provides protection against death, total and permanent disability, and dread diseases at very affordable premium rates.
• Protection against the following major dread diseases:
  
  

  Heart Attack Stroke Life-threatening cancer Blindness Deafness Lost of speech Alzheimer's disease

  Major head trauma Major burns Paralysis Coma Terminal illness And others

John Hancock's Signature Cash Master is a whole life plan which requires premium payment for only 20 years. This plan grows in value over your lifetime while providing valuable insurance protection. Signature Cash Master is ideal for those who wish to enjoy a stream of income through cash dividends without the hassle of paying whole life premiums. You are also assured that your family's financial security will be taken care of in the event of untimely death or Total and Permanent Disability.

The features and benefits of this plan are:

• Participates in the profits of the Company through Cash Dividends.
• Guaranteed Cash Payment, payable from the end of policy year 15 until the end of policy year 19.
• Death and Total & Permanent Disability coverage.

Signature Major MediGold Plus is a comprehensive medical insurance that is designed to cover hospitalisation and surgical costs. This plan can cover an individual life as well as the spouse and children (family).

Among the features and benefits offered by this plan are:

• Comprehensive Medical and Surgical Fees reimbursement with lifetime limits of up to RM200,000 per individual.
• Coverage for 3 critical illnesses (Major Organ Transplant, Renal Failure and Life Threatening Cancer) and TPD.
• Income tax relief of up to RM3,000.
• Government Hospital Cash Benefit.
• Free Annual Comprehensive Health Screening from 2nd policy year onwards. This service is subject to review by the Company from time to time.
• Pre-Certification Hospitalisation Programme
  • Minimal hassle hospitalisation in most major government and selected private hospitals in Malaysia.
  • Covered Member may not be required to pay up-front admission deposits and upon discharge, all eligible hospital claims, less the co-insurance amount will be settled by John Hancock.
  • This programme is subject to the Terms and Conditions stipulated in the agreement between John Hancock and International SOS.

Signature Major Medicare Plus is a comprehensive medical package, which provides 24 hour protection against major medical expenses. This plan also provides you with the Pre-Certification Hospitalisation Programme and WORLDWIDE Emergency Assistance Services, both provided by International SOS (Malaysia) Sdn Bhd.

Among the features and benefits offered by this plan are:

• Comprehensive Medical and Surgical Fees reimbursement with lifetime limits of up to RM200,000 per individual.
• Coverage for 3 critical illnesses (Major Organ Transplant, Renal Failure and Life Threatening Cancer) and TPD.
• Income tax relief of up to RM3,000.
• Option to include your spouse and unlimited number of children.
• Pre-Certification Hospitalisation Programme
  • Minimal hassle hospitalisation in all major government and private hospitals within Malaysia.
  • The Covered Members may not be required to pay up-front admission deposits and upon discharge, all eligible hospital claims, less the co-insurance amount will be settled by John Hancock.
  • This programme is subject to the Terms and Conditions stipulated in the agreement between John Hancock and International SOS.

Signature Long Term Care is a non-participating whole life long term care insurance which pays a monthly income benefit in the event the Insured is deemed unable to perform 3 or more of the defined "Activities of Daily Living" (ADLs) either as a result of illness, injury, advanced life or Advanced Dementia (a reduction of mental capacity).

This plan is specially designed to help pay for long term care when there is a need for special care at adult day care centres, nursing home facilities and even at home. Among the benefits offered by this plan are:

• Long Term Care (LTC) Benefit
  • Monthly income benefit which ranges from RM500 to RM3,000
• Lifetime Critical Illness (CI) coverage for 36 critical illnesses
• Death Benefit of 50 times the monthly income benefit amount selected
• Total & Permanent Disability (TPD) Benefit

In addition, this plan gives you two value-added benefits to help offset your long term care costs:

• Extended Care Benefit
  • An extra amount equal to the monthly income benefit will be payable to the policyowner at every 24th payment of the monthly income benefit, provided the benefit have been paid for the last 24 consecutive months.
• Assistive Device Benefit
  • During an LTC claim, the Company will reimburse an amount, up to a lifetime maximum of two (2) times the monthly income benefit for assistive devices prescribed by the panel medical practitioner.

Signature University Savings Plus is designed to assist parents in saving for their children’s university education. The Insured for this plan is the payor (or policyowner). This plan has the following features:

• Flexibility to choose the term of the policy to match your child’s age of university education.
• Provides an amount needed for your child’s education to you when the policy matures.
• Qualify for up to RM 3,000 deductible on your taxable income from year of assessment 2000 onwards.
• In the unfortunate event of the Insured’s death, an amount up to the full sum assured plus bonuses is payable.
• In the unfortunate event of the Insured’s total and permanent disability, an amount up to the full sum assured plus bonuses is payable according to a disability schedule.
• Owning this policy also entitles you to Signature University Savings Plus Services.

Signature University Savings Plus gives you the opportunity to fulfill your child's aspirations of pursing a university education. Make the decision now. It is never too early to plan for your child's future. Please contact us to act on this wonderful opportunity

Signature University Savings Plus Services

This is an innovative programme that can help you reach your long-term savings goals for your children. The programme will help you develop a plan that includes:

• High-quality savings products to help you build a university fund.
• Accurate and valuable information on alternative financial aid.
• Insurance to provide university funds should something happen to you.

Once your plan is in place, Signature University Savings Plus can:

• Keep you on a disciplined savings track.
• Outline your progress in an annual statement.
• Fine-tune your strategy as your child approaches university age.
• Provide resources for your university, scholarship and financial aid search.

Besides savings, Signature University Savings Plus includes these valuable services:

• USP Membership Kit.
• University Advisor database that will recommend up to 10 most suitable universities for your child based on his profile, aptitude and preference.
• Annual Newsletter which informs you of the latest education trends and policies, plus information on loans, scholarships and bursaries.

Signature SureGold is a regular premium non-participating endowment plan that is designed to provide a guaranteed maturity value at the end of the term.

In addition, Signature SureGold also provides valuable insurance protection against Death and Total and Permanent Disability.

Introducing the new Signature Endowment Special, a 25-year savings plan that provides a steady stream of guaranteed income every 5 years through cash payment. This plan is designed to meet the changing needs in a person's life. Among the features and benefits of the plan are:

• Guaranteed cash payment at every 5-year interval, starting from the end of the fifth(5th) policy year.
• Flexibility to take the cash payment or keep it with the company to accumulate with attractive interest.
• A maturity benefit of 100% of the Face Amount of the plan.
• Insurance Coverage for:
  - Natural and Accidental Death; and
  - Total and Permanent Disability

• Provides life-time insurance protection.
• Guaranteed cash payment every three years as long as the insured is alive.
• Free disability coverage (subject to the Company's approval) for standard life.
• Premiums payable throughout the lifetime of the insured.
• Beneficiary receives the face amount upon death of the insured.

• Provides life insurance protection for a stipulated number of years at the lowest outlay.
• Convertible, during the term of the policy and before age 65, to any permanent plan without further evidence of insurability.
• Renewable at the expiry of every 5 years.
• Optional disability coverage.

• Provides life insurance protection for a stipulated number of years at the lowest outlay.
• Convertible, during the term of the policy and before age 65, to any permanent plan without further evidence of insurability.
• Provides coverage for terms varying from 10 to 30 years or until age 55 or 60 or 65 or 70.
• Optional disability coverage.

• Provides insurance protection in accordance with the schedule of the mortgage loan.
• Death and Total and Permanent Disability coverage.
• Terms of coverage available are 5 to 35 years.
• Construction years option 0, 1, 2 or 3.

• Provides for payment of the face amount in the event of accidental death before the anniversary of the policy date following the Insured's 59th birthday, provided such death occurs within 120 days of the accident.
• Benefits include :
  • Payment of 100% of face amount for death or loss of two or more limbs.
  • Payment of up to 75% for various other dismemberment injuries.
  • Regular payments every week, up to a maximum of 10 weeks per accident, for hospitalisation in a licensed hospital.
  • Payments for specified types of surgical operations performed by a physician.
  • Double payments if the insured sustains the loss while traveling in a bus, public lift or elevator, a regularly scheduled flight of an international commercial airline.
  • Regular payments every week up to a maximum of 27 weeks for temporary, total and continuous disability.
  • Regular payments every week up to a maximum of 27 weeks for temporary, partial and continuous disability.
  • Regular payments every month up to a maximum of 100 months for permanent, total and continuous disability.

• Provides for payment of the face amount in the event of accidental death before the anniversary of the policy date following the Insured's 59th birthday, provided such death occurs within 120 days of the accident.
• Double payments if the insured sustains the loss while traveling in a bus, public lift or elevator, a regularly scheduled flight of an international commercial airline.
• Benefits include :
  • Payment of 100% of face amount for death or loss of two or more limbs.
  • Payment of up to 75% for various other dismemberment injuries.

This rider

• Provides for payment of the face amount in the event of accidental death before the anniversary of the policy date following the Insured's 59th birthday, provided such death occurs within 120 days of the accident.

This rider

• Provides, in the event the insured is hospitalised in a licensed hospital, and regardless of the actual hospital expenses incurred, a daily benefit equal to the elected fixed amount payable up to a maximum of 365 days.
• The insured can choose the amount of daily benefit required.
• Coverage continues until the insured reaches age 60.
• Issue age from age 11 to 55.
• Qualify for up to RM 3,000 deductible on your taxable income from year of assessment 1996 onward.

• Reimbursement of eligible medical claims, less the co-insurance amount.
• Five benefit levels are available.
• Benefits available on occurence of hospitalisation are :
  • Daily hospital room and board incurred during confinement up to a maximum of 60 days
  • Hospital intensive care benefit
  • Surgical benefit
  • Anaesthetist's benefit
  • Hospital miscellaneous services
  • Operation theatre benefit
  • Attending physician benefit
  • Pre-hospitalisation benefit
  • Emergency accidental injury benefit
  • Post hospitalisation benefit
• Income tax relief of up to RM3,000.

Signature LTC Rider is a non-participating whole life long term care rider which pays a monthly income benefit in the event the Insured is deemed unable to perform 3 or more of the defined "Activities of Daily Living" (ADLs) either as a result of illness, injury, advanced life or upon diagnosis of Advanced Dementia (a reduction of mental capacity).

This rider is specially designed to help pay for long term care when there is a need for special care at adult day care centers, nursing home facilities or even at home.

a) the Insured is deemed unable to perform three (3) or more ADLs, and as a result needs physical assistance of another person on every occasion, or

• Provides life protection for a stipulated number of years at affordable premium rates.
• Beneficiary receives the face amount upon the death of the insured.
• Medical standard policies are convertible to a permanent plan without further evidence of insurability.
• The 5 year Term rider is renewable at the expiry of every 5 years.

• Provides life protection for a stipulated number of years at affordable premium rates.
• Beneficiary receives the face amount upon death of the insured.
• Disability coverage.
• Medical standard policies are convertible to a permanent plan without further evidence of insurability.
• The 5 year Term rider is renewable at the expiry of every 5 years.

This rider

• Provides a waiver of premium on the basic juvenile policy when the payor/policyowner dies.

• Beneficiary will receive the face amount on the death of the payor/policyowner for both A and B riders.
• B riders also provide disability coverage.
• Both riders can be attached only to Juvenile policies.

This rider

• Provides in the event the policyowner dies, a monthly income of 1% of the face amount of the rider from the 1st day of the month following the date of death until the expiry of the rider.
• Can only be attached to juvenile policies.

• Pays 100% of its face amount in one lump sum on diagnosis/occurrence of one of the 32 covered events, provided it occurs at least 90 days after the issue date or reinstatement date, whichever is later, and the insured survives at least 30 days after the date of such diagnosis/occurrence.
• Among the 32 covered events are :
  
  

  Heart Attack Stroke Coronary Artery Bypass Surgery Terminal Illness Kidney (Renal) Failure Life Threatening Cancer

  Paralysis Muscular Dystrophy Benign Brain Tumour Blindness Chronic Liver Disease And others

• Death cover under the basic plan will not be reduced by the amount of benefit paid on this rider.
• Life coverage will continue although this rider will terminate on occurrence of the covered event.